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There’s a range of dog insurance and cat insurance options available in Australia. And we know that comparing each type of pet insurance can be confusing sometimes. That’s why, in this article, we’ve completed pet insurance reviews for you.
Whether you’re looking for insurance for your furry feline or your loyal pooch, let the reviews be your guide. Find information on what to consider when looking at the best pet insurance cover reviews, and check our comparisons of the best options that we’ve provided below.
What Is Pet Insurance and Why Are Reviews Important?
Our beloved pets can sadly get injured or become unwell, and when we take them to the vet, we need to pay the necessary expenses to get them nursed back to health. Pet insurance is a type of coverage that reimburses you for a portion of eligible vet bills. And it’s important for a few main reasons.
Accidents and injuries can come at any moment with our cats and dogs. It’s the unpredictability of such incidents that may mean we’re financially unprepared to cover vet bill expenses. But when we look at insurance reviews, we can easily select a provider that aligns with our requirements – that’s both financial and lifestyle needs.
Reviews of pet insurance providers offer real-world insights into the customer service and client satisfaction they provide, as well as details about the claims process. That’s why you’ll want to look closely at reviews before settling on a provider or specific plan.
What Information Do Pet Insurance Reviews Provide? – What to Look for
Before picking a policy or a provider, you’ll want to pinpoint a few things to know the ins and outs of the services offered. You’ll want to know all about the following factors, which you’ll find in a pet insurance review:
- Claims – How easy it is to submit a claim and how long the claims process takes.
- Premium costs – A rough guide on the costs you can expect to pay for your premiums (many will refer you to the website to receive a quote from the insurer).
- Policy details – Which conditions are treated, and the percentage of vet expenses that will be reimbursed. We advise checking the product disclosure statement, also, to help you understand what the policy includes.
A smooth claims process and good customer service can affect your experience significantly. These are important things to consider since, if your furry feline or adorable pooch is unwell, you’ll want someone to help you and guide you through this stressful moment.
15 Top Pet Insurance Reviews in Australia
Even though we’ve touched on some of the top pet insurance providers in Australia, as pet owners, we need detailed reviews to guide our choices. We’ve covered some of the best pet insurance in Australia in the sections below, so you’ll have a guide to the best coverage for your vet visits.
PetsOnMe
Having won the 2022 Canstar Outstanding Value Pet Insurance award and the 2023 Mozo Exceptional Value Accident & Illness Pet Insurance Award, PetsOnMe is a top provider of transparent and economical pet insurance, plus grooming services and pet sitting services. We also offer dental coverage as part of our Deluxe Plan.
We proudly offer tiers of pet insurance for cats and dogs, including Accidental, Accidental & Illness, and Deluxe. Each comes with no lock-in contracts, and you’ll be able to make super-fast claims that will be paid directly into your account. In fact, 95% of members get reimbursed the following business day.
Customer reviews:
- “PetsOnMe is easy to deal with, reliable, and offers good communication.”
- “So accommodating to us, going above and beyond. We would highly recommend them to anyone.”
- “Excellent prompt communication… Claims processed almost immediately and paid quickly!”
- “Absolutely amazing! Couldn’t recommend more highly.”
- “Very kind and attentive. Highest recommendation.”
- “No fuss, efficient and very good insurance company.”
- “The best experience ever. From the start, the staff were very attentive and helpful.”
Knose
Knose has won the 2024 Outstanding Value Pet Insurance award from Canstar and the WeMoney Pet Insurer of the year in 2021 – 2023. It is a well-known pet insurance provider that also offers pet care plans that are customised for Aussie pet owners.
This pet insurance provider offers insurance for cats and dogs, with custom cover options that have annual limits of up to $25,000 and benefit percentages of 80%. Knose states that claims are quick and easy, taking a few days to process once you complete the digital claims process. All of their customer care is handled in Australia.
Customer reviews:
- “Knose have been amazing since day one. Such a fast turnaround and always so easy and smooth.”
- “Knose pet insurance has been awesome. They acknowledged the claims immediately.”
Keep in mind, though, that compared with PetsOnMe, Knose’s processing times are longer. This means that instead of three days’ processing time, the vast majority of customers will have everything processed in 24 hours when they select PetsOnMe.
Petsy
Petsy earned the Mozo Pet Insurance Award in 2024, reflecting their dedication to providing innovative pet insurance policies. Petsy offers a few flexible options that match different budgets plus optional extras such as dental illness or specialized therapies.
This provider also offers a customisable benefit percentage (either 80% or 90%) in its customisable plan, or a benefit percentage of 90% in its top level of cover for dog insurance.
Customer reviews:
- “I have found Petsy really reliable, they communicate well and they want what’s best for you and your pet.”
- “We had been recommended Petsy by some friends and now we do that same recommending. They have been fantastic for us.”
Keep in mind that Petsy expects a higher premium in exchange for their 90% benefit percentage when compared with the more economical Deluxe PetsOnMe plan that comes with an 80% benefit percentage. Additionally, a few pet owners claim that adjustments in their premiums led to unsustainable long-term costs with Petsy over time.
Pet Circle Insurance
Pet Circle Insurance won the Most Satisfied Customers Canstar award in 2022 and 2023 for their customer service, and the 2024 Outstanding Customer Service in Pet Insurance from WeMoney. Their custom plan makes it possible to select the annual benefit limit, and their policies are transparent.
Pet Circle Insurance also allows you to choose the percentage you’ll receive following a claim, which can be 70%, 80%, or 90%. They cover a range of illnesses, such as cruciate ligament and tick paralysis, and have no sub-limits.
Customer reviews:
- “Pet Circle Insurance were really easy to deal with and my claim was paid super quickly.”
- “We now only pay our $150 excess once per year. Vet visits are no longer a worry. Thanks, Pet Circle Insurance!”
When comparing pet insurance, it’s worth remembering that PetsOnMe is the more budget-friendly option in terms of the dog and cat insurance premium. PetsOnMe gives you a 5% discount if you pay your premiums annually and is generally considered a more economical option compared with Pet Circle.
Bow Wow Meow
Winner of the Canstar Most Satisfied Customer Award for Pet Insurance 2025, Bow Wow Meow Pet Insurance gains various referrals for their services. 40% of their clients have been referred by friends, breeders or vets. This provider offers custom cover plans to customers.
For instance, it’s possible to choose between $10,000, $20,000, or $30,000 as your benefit limit option and between 70%, 80%, or 90% for the percentage of vet expenses reimbursed. It also comes with optional add-ons, which you can choose according to your needs.
Customer reviews:
- “Love the responsiveness of the insurance team. I am never worried when I put a claim in – everything is well explained.”
- “I was really happy with the customer service representative. She explained to me in detail about my premium and offered me some alternatives.”
In comparison with PetsOnMe, Bow Wow Meow provides fewer opportunities to make savings. You’ll find that PetsOnMe’s 5% discount for annual policyholders, 5% discount for those with two pets on the policy, and their initially low premiums mean that this is the more economical option for most pet owners.
Get Transparent Pet Insurance from PetsOnMe
Your cat or dog deserves the best care, and that’s why pet insurance is important. Having the right policy means making some decisions about your provider, and choosing one can be tough. With PetsOnMe, you’ll get a transparent policy, award-winning value, a customer service team that cares, and no sub-limits.
With extra benefits, like two months free cover for puppies and kittens under a year, and economical premiums, you can receive excellent cover options at a good price. Contact PetsOnMe, now for more info. Choose transparent pet insurance that comes with top perks.
